Specified
Comprehensive
Collision & All Perils
Exclusions
100

Name a specified peril that begins with the letter “f”

Fire. 

(Flying or falling objects coverage is in Comprehensive)

100

Is earthquake damage covered with Specified Perils?

Yes it is a specified peril. 

100

Is it collision if your car door swings open wider than expected in the wind and damages the other car?

Yes.  You car collided with another car. 

100

Coverage for a tire is always excluded? True or False?

False.  Depending on your coverage chosen, tires could be covered where damage is as a result of fire, vandalism or even a collision.


200

True or False - Specified perils covers everything except what is excluded. 

False. It does not cover the additional perils included in comprehensive and all perils.  There is also collision

200

Are stone chips to windshield covered by Comprehensive?

Yes. They are missiles. 

200

Does All Perils cover Specified Perils?

Yes. There is coverage for collision, comprehensive including Specified perils.

200

What is the maximum payout for recorded material stolen from a car?

Maximum of $25  

300

Perils are defined as....

An event or circumstance that results in property damage 

300

What are the perils added from specified perils to make comprehensive?  Name 2 

Falling or flying objects

Missiles

Vandalism 

300

Is it considered collision if the car collides with an animal?

No.  This type of loss is covered under comprehensive

300

The insured has a comprehensive policy covering theft. The insured’s nanny drives the children to school Friday but then steals the car Saturday night. Is there coverage for theft by an employee?

No. There is no theft coverage for an employee with comprehensive coverage.  

There would be no coverage under All Perils either as the nanny uses the job as part of their employment which is excluded

400

True or false - Specified Perils coverage will come into play only in certain collisions?

False. It never covers a collision

400

True or false. Comprehensive would cover me with a collision with an animal?

True. Industry wide agreement

400

You forget to check your blind spot when changing lanes and you end up hitting the guardrail.  Is there coverage under collision?

Yes there is

400

The insured sells the car to a buyer of Kijiji for a great price. The cheque given bounces. Is there coverage for the insured?

No coverage from trickery. 

500

What specified peril would cover a vandalized tire?

None.  Comprehensive is required.

500

If my car sunk while being towed off a frozen lake, is there coverage with Comprehensive?


Yes. The car is covered as -- the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which a described automobile is being carried on land or water.

500

True or False - The insureds all perils policy covers theft by a family member?

True. It is not however covered under comprehensive or specified perils

500

The insured gets into an accident. Out of panic they race away and fail to stop at the scene of the accident. They return later and are not charged by police. Is the exclusion in place due to failure to stop at a scene?

No.  There is coverage as they were not charged under the Criminal Code of Canada for failure to stop at the scene of an accident 

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